The employees are poorly trained and do not understand customer service or banking. They "peopleless" deposit system and ATM do not work. The employees are rude, totally unknowledgeable. Absolute worst service next to Bank of America. I desperately wanted to like the people and the bank but they are so inefficent and make mistake one after the other. Nothing works, literally nothing. From day one until I closed my account three months later. Utterly incompetent.